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Conveyancing in Roath Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 18/04/17

Local information:

The closest airport to Roath is Cardiff Airport. Bristol Airport is 21 mile away. Roath's nearest station is Cardiff Queen Street.

The closest hospital for Roath is Cardiff Royal Infirmary.

Q.

We are looking for low cost conveyancing. What should be watch out for?

A.

Numerous solicitors purport to offer so-called cheap conveyancing quotes, however extra costs are frequently hidden in the terms of engagement that unknowing property buyers and sellers have not reviewed Any disbursements should be included on a Roath conveyancing quote

Q.

We are anxious about the council tax charges on a Thirties end of terrace property in Roath, what are they?

A.

Customarily a conveyancing report on title will give information the Cardiff council tax band.

The correct rates for residents of Roath are set out in detail online at the Cardiff council website. At the time of authoring on 20 July 2012 rates for all bands are:

  • Band A - £738.47
  • Band B - £861.55
  • Band C - £984.63
  • Band D - £1,107.71
  • Band E - £1,353.87
  • Band F - £1,600.03
  • Band G - £1,846.18
  • Band H - £2,215.42

Q.

Do you work with many lenders with Roath offices?

A.

Of lenders with local branches around Roath, we with the majority. Roath lenders and mortgage specialists include 4 sight 4 Finance, 2 Pant Yr Wyn, Cardiff, CF23 5HS, and Adapt Mortgages, 6 Colchester Av, Penylan, Cardiff, CF23 9BP.

Q.

Are there any areas of conservation in Roath?

A.

There are numerous conservation areas located near Roath. A solicitor will discuss what specific restrictions are in place.

Q.

Would you recommend that we get a chancel search when my partner and I are buying by a rectory in Roath?

A.

Potentially amounting to over £100,000 in repair cost obligations, chancel liability should be considered by buyers of Roath property likely to be affected. Parochial Church Councils in Roath must register their interest over property by October 2013, simplifying the chancel search process.

Q.

Birmingham Midshires is going to be our lender, what do I need to check?

A.

When arranging a mortgage to purchase a property, a mortgage provider will need legal work to be undertaken in relation to the mortgage. Buyers should be aware that, over the last two years, some lenders have reduced the number of firms on their approved panel, potentially creating increased legal costs for purchasers. Homeward Legal will act for the majority of mortgage lenders, keeping buyers' legal costs to a minimum.

Q.

Do we need to employ the property solicitor suggested by our local agent?

A.

An agent may endorse a law firm to handle your conveyancing, however, these referrals need to be weighed up against alternatives, including online or local firms, as an agent may choose the conveyancer who pays out the highest referral fee, not the best solicitor for your needs.

Q.

What can a Roath conveyancing solicitor advise if the building I hope to purchase is located in a conservation are in Cardiff council that possibly has unapproved PVC windows installed?

A.

Cardiff planning authority enquiries carried out by your solicitor during the legal process should verify if the property is inside a conservation area and any evidence of planning consent for changes to the property will be asked for.

 
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